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Muhammad Rahmatullah

Developer / Back-End

Muhammad Rahmatullah is a Senior Software Engineer and Technical Lead with over 10 years of experience designing and scaling high-availability backend systems.

With a strong track record at Kredivo Group, Stockbit, and Mekari, he specializes in event-driven architecture, Elixir/Phoenix, and complex Ruby on Rails microservices.

As the Co-Founder of Duonout, Rahmatullah drives technical strategy, AWS infrastructure, and ensures every product shipped is robust, secure, and built for immense scale.
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Work Experience

Senior Full Stack Engineer

Dec 2023 - Present

Kredivo Group

Providing digital financial services through brands like Kredivo, KrediFazz, and Krom, managing heavy transactional throughput.

Technical Lead

Jan 2024 - Present

PT. Duonout Solusi Digital

Co-founded agency, leading backend architecture and strategy for projects like mekarsariecoliving.com and helpando.it.

Senior Software Engineer

Jan 2022 - Dec 2023

Stockbit

Developed a real-time crypto market data aggregator handling 1 million monthly trade data using AWS, Elixir, Kafka, Redis, and PostgreSQL.

Software Engineer 2

Jun 2020 - Dec 2021

Mekari

Successfully created integrations between Bank Partners (BCA, BNI, CIMB, Mandiri) and Jurnal Cashlink Bankfeeds.

Ruby on Rails Developer

Mar 2020 - Jun 2020

Crowdo

Integrated Digisign and Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) with Crowdo core platform.

Back End Developer

Jan 2019 - Mar 2020

Clapping Ape

Developed and maintained jagadiri.com, cavaproperty.com, storial.co, and east.vc leveraging Ruby on Rails APIs.

Ruby On Rails Developer

Jun 2017 - Jan 2019

41studio

Built scalable web apps, troubleshot large systems, and optimized backend application performance.

Selected Works

High-Throughput Fintech Pipeline

Microservices

Decoupled reporting engine from core transactional service for Fintech apps. Implemented event-driven architecture using Kafka, allowing real-time balance updates without database locks.

Scaling EdTech & Assessment Platform

Architecture Setup

Scaled Kobi Education and Quipper. Migrated video delivery to a CDN, implemented aggressive Redis caching, and offloaded submission processing to background queues (AWS SQS).

Bank Partner Integrations Engine

API Integration

Created scalable integrations between Bank Partners (BCA, BNI, CIMB, Mandiri) with Jurnal (Mekari Cashlink Bankfeeds) handling massive daily transaction syncs.

Credit Scoring & Financial Services

Financial Technology

Developed and maintained full-stack digital financial services for Kredivo Group, optimizing core microservices for rapid user onboarding and loan processing.